Udall, KS · Cert 15524
FDIC
Q2 2004
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2004, the quarter ended June 30, 2004, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Udall, KS · Cert 15524
FDIC
Q2 2004
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.44% | 0.86% | 0.83% | 1.21% | 1.13% | 0.52% | 0.47% | 0.78% | -43 bps | |
| Return on Equity | 9.47% | 5.72% | 6.21% | 9.00% | 8.46% | 3.93% | 3.99% | 6.52% | -248 bps | |
| Net Interest Margin | 3.87% | 3.91% | 3.51% | 3.39% | 3.40% | 3.27% | 3.00% | 3.01% | -38 bps | |
| Efficiency Ratio | 67.57% | 79.19% | 80.00% | 70.19% | 70.78% | 84.83% | 85.71% | 78.26% | +807 bps | |
| Non-Interest Burden | 2.43% | 2.96% | 2.72% | 2.23% | 2.25% | 2.69% | 2.49% | 2.20% | -3 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.90% | 13.20% | 18.75% | 9.14% | 11.79% | 9.07% | 12.25% | 5.94% | -320 bps | |
| Loan Growth (YoY) | -0.53% | -2.69% | -7.12% | -9.80% | -3.93% | -2.01% | -3.99% | 5.69% | +1,548 bps | |
| Deposit Growth (YoY) | 9.89% | 15.79% | 22.19% | 10.84% | 13.86% | 10.88% | 14.47% | 7.50% | -335 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.06% | 0.05% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.10% | +10 bps | |
| Allowance / Loans | 1.41% | 1.51% | 1.51% | 1.52% | 1.51% | 1.54% | 1.58% | 1.39% | -13 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | 45.27% | 44.16% | 43.13% | 46.89% | 46.66% | 45.53% | 42.70% | 44.02% | -287 bps | |
| Equity / Assets | 14.92% | 14.20% | 12.69% | 13.52% | 13.32% | 12.72% | 10.97% | 12.28% | -123 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 33.20% | 32.25% | 27.79% | 28.85% | 28.01% | 28.50% | 23.31% | 28.37% | -49 bps | |
| Liquid Assets / Assets | 34.24% | 34.22% | 30.11% | 31.16% | 30.02% | 32.46% | 27.74% | 29.23% | -193 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |